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Client Stories
Bina - This is the story of Bina who lives in JJ colony. Bina was a poor woman for whom happiness was like a dream. She was illiterate. Her husband was a laborer. She was having 3 children and managing proper food for them was very difficult and sending them in school was beyond her imaginations. Because of finding daily job she asked her husband to start any kind of business for their daily bread and uplift of their children. Her husband had no idea how to manage funds for start-up of a business They approached bankers and local lenders for a loan. They were ready to give the loans but he needed their house papers as a collateral security against their loans. They were having only their home as an asset and in case of any failure in business; they don’t want to loose that. They were very depressed. One day some one told them about a company called “Capital Trust” reached at their area for helping the poorest people. They further got to know that the company made groups of poor ladies and distributes small amount of loans to create some income generating activities and improve their living standards. They again enquired about the system of the company and understand that any poor lady can avail the loan for starting any income generating activity and repayment had to be made in very small weekly installments. Bina immediately joined a group of ladies and availed the loan. Bina purchased a pulling cycle and started a mobile vegetable vendor and earns around Rs.200 per day and enjoying their family life happily and making weekly repayment in time.
Now her shop runs smoothly and she earns around Rs.200 per day and she is saves around Rs.50 to 60 per day. She is repaying her loan regularly without any problem and she is very happy.
Gauri - Gauri is a micro finance customer of Capital Trust Limited. She is a resident of Madanpur Khadar resettlement Colony, New Delhi. She runs a petty shop from which she could never make enough money because she could only access funds at exorbitant rates.
Then one day a woman told her that a company named Capital Trust gave loan to groups of poor women. The woman told her that if she wanted to open a small shop and earn regular income she should join the group. When she told her husband about the loan scheme, he told her that such companies would take their house and not give them any loan money. This scared Dharmbati and she refused to join the group. However, her husband saw that some women from their locality had managed to get loan from Capital Trust and so he encouraged his wife to apply as well. Dharmbati then joined a group of women and received loan. With the loan money Dharmbati opened a fruit stall. She was not earning much profit when she started but Dharmbati realized that working was better than sitting at home. Slowly the sales increased and she began to earn good profit. Now her shop is doing quite well and she ends up saving Rs.200-250 daily. She has managed to re-admit her children into school again. When the school master asked her for a thumbprint on the school forms, she refused and instead insisted on signing the form. This surprised the master because earlier Dharmbati used to give thumbprints on school forms. She told the school master that Capital Trust had taught her to sign. Dharmbati and her family are quite happy now. It is true that Capital Trust is the support of poor women.
 Khatun - Khatija Khatun, aged about 55 years, is residing at House No. 851, J.J.Colony, Madanpur Khader Phase-III, New Delhi, Smt Khatun is from a very large family consisting of her husband, sons, daughters, son-in-laws, daughter-in-laws, and grand children. However, she is the only bread-earning member in the house. Her sons/son-in-laws and daughters etc do not contribute to the family. Her husband is an alcoholic and jobless. Smt Khatija is a hard working woman and she used to collect cut-pieces at a low price from a Garment Export company and made pillow covers and undergarments for small children and sold them on footpath markets and with great difficulties, she was managing the day-to-day expenses. Her long cherished plan was to take cut-piece cloths in bulk quantity and expand her business but could not execute the plan due to lack of money. Khatun came to know through her friends, that one of the companies, called CAPITAL TRUST LIMITED, came to their camp to help the poor people, in rural areas. She got to know that the company made groups of poor ladies and distributed small amount of loans to create some income generating activities to improve their living standards. Khatun also attended a centre meeting of the company and studied the function of the proposal. Within a short period, she became a member in one of the groups and availed the loan and fulfilled her long cherished desire. Now-a-days she buys cut-piece cloths in bulk and makes dresses for the small kids etc. and sells them on the footpath and earns reasonable amount. Khatun states that due to Capital Trust only she could earn this and there is no problem in repayment of their loan. Instead of one installment, she is in a position to pay even two installments in a weak. Capital Trust is proud of Khatija’s success. Capital Trust will always help poor women like Khatija who wish to move ahead in life because this is Capital Trust’s aim.
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Shefali Mondal - Shefali Mondal aged about 30 years resides at B2739, J.J. Colony, Madanpur Khadar, New Delhi along with her husband Bash Mondal and her children. Shefali was a simple housewife and her husband is a labourer. They were pulling their day-to-day life with very great difficulties as her husband was not getting work on a regular basis and if he did manage to get work, it was too far from their house and he was not able to reach the work place due to lack of money. It is also happened that when he did get some job, at the end of the day the employer/contractor people did not give his daily wages as they knew that Slum Colony dwellers would not raise any problem against them. Shefali and her husband were searching here and there for their daily bread. Shefali is a good looking women and whenever she searched for a job for their daily bread, local goondas/street boys used to comment/abuse her and tried to offer her money in exchange for sharing her flesh with them. Due to this reason she was scared to even go out and she was just managing to make ends meet with great difficulty, often without food also. She was adjusting a day with a half kilogram of rice with salt only without any vegetables. But their child was not able to eat simple rice without any vegetables and insisted for some daal etc. but this poor lady could not arrange the same due to lack of money. 
Bharmbati - This story is about a woman called Dharmbati who had three children. Her husband worked as a labourer. Dharbati was a housewife. Her husband, Kripal earned Rs.80 per day and she managed all her household expenses with this money. When her husband was unable to get work, they would often end up fighting with each other. This is why at times, Dharmbati also took up work without telling her husband and earned some money. However when her husband got to know about this he bear her up. Dharmbati was unhappy because of these daily tensions. Her children were also thrown out the school because they were unable to pay the school fees. 
Sairo Bano – a customer of the Bhalswa branch of Capital Trust was narrating an instance of the change that Capital Trust had brought in her life. She had gone to make some purchases from the local ration shop. She made some purchases and the shop owner offered her an ink stamp pad so she could acknowledge the use to the shop owner with her thumb impression. It was a proud moment for Saira Bano when she asked the shop owner for a pen and signed her name. The shop owner was surprised and impressed and asked ‘since when?’ Saira Bano proudly replied ‘from the time I have been associated with Capital Trust’. Just one of the ways we contribute to new horizons for our customers